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I have taken the first step to ask for help. i am a single man with debts for about 40 k. I earn 50 K a year. I have let this go and find it hard to take the next step. I am in a situation where my health and sanity are being affected and want to do what I can to get out of this. Can anyone tell me if they have been throught the same? I feel so bad about this and very embarresed

Hello Johnny1953